You should be able to get about $3k off the price marked on the window. With you giving $3k down, they are charging you 5% interest and you are paying sticker. You should be able to get a better interest rate than that unless your credit score is bad. Get pre-approved (credit union, bank, Costco). Then nogotiate the price only. Don't even talk about a trade-in. Once the price is where you want it, start nogotiating for your trade-in. Know the trade-in value of your vehicle. Go to KBB. The dealer will give you low blue book.